Tín dụng tiêu dùng Việt Nam sắp đến hồi cạnh tranh quyết liệt

  Thứ Năm, Ngày 31 Tháng 10, 2019, 14:11
Tín dụng tiêu dùng Việt Nam sắp đến hồi cạnh tranh quyết liệt

Một loạt dự án đang khởi động và chuẩn bị nhập cuộc, cạnh tranh ở phân khúc tín dụng tiêu dùng tại Việt Nam sẽ lên cấp độ mới.

 

Về mặt thủ tục, năm 2019 đến nay mới chỉ duy nhất 01 công ty tài chính được cấp phép: Công ty tài chính TNHH MTV Shinhan Việt Nam (100% vốn nước ngoài).

Số lượng công ty tài chính tại Việt Nam đã có 16 thành viên, trong đó có 12 đầu mối đã và đang định hướng tham gia phân khúc tín dụng tiêu dùng.

Nhưng một loạt dự án khác đã chuẩn bị, chuyển động và dự kiến sắp đến thời điểm chính thức nhập cuộc. Loạt thương vụ đổi chủ các công ty tài chính trong năm 2017 và 2018 lần lượt kiện toàn mô hình, thêm sự góp mặt của nhà đầu tư nước ngoài, và dự kiến sẽ có cả thành viên mới hoàn toàn.

Đầu tuần này, Deal Street Asia đưa tin, Hyundai Card - công ty phát hành thẻ tín dụng hàng đầu tại Hàn Quốc đã ký thỏa thuận mua 50% cổ phần của Công ty Tài chính TNHH MTV Cộng Đồng (FCCOM) với giá 49 tỷ KRW (41,9 triệu USD).

FCCOM tiền thân là Công ty Tài chính cổ phần Dệt May thuộc Tập đoàn Dệt may Việt Nam. Năm 2015, Ngân hàng MSB mua lại và chính thức chuyển đổi tên thành Công ty TNHH MTV MSB (FCCOM), và cho đến giao dịch trên là tên Công ty Tài chính TNHH MTV Cộng Đồng.

Đó là thương vụ tiếp theo đến từ nhà đầu tư Hàn Quốc. Trước đó, một nhà đầu tư Hàn Quốc khác là Lotte Card cũng đã mua lại Techcom Finance; Shinhan Card mua lại công ty tài chính của Prudential Việt Nam…

Trong nước, nếu như những năm qua FE Credit, HD Saison, Home Credit… chiếm giữ phần lớn thị phần tín dụng tiêu dùng, thì gần đây sự nhập cuộc của công ty tài chính thuộc SHB, hay thành viên của MB chắc chắn đã gia tăng áp lực cạnh tranh.

Chưa dừng lại, cùng với sự tham gia của khối đầu tư nước ngoài, một số ngân hàng thương mại trong nước cũng đang có kế hoạch chuẩn bị tham gia bằng các công ty chuyên biệt.

Như tại TPBank, năm nay kế hoạch tuyển dụng và đào tạo nhân sự cho công ty tài chính tiêu dùng đã triển khai. Đây là dấu cộng mới cho danh sách 16 công ty tài chính Việt Nam hiện có.

Hay tại SeABank, sau khi mua lại Công ty tài chính TNHH MTV Bưu điện, quãng thời gian kiến tạo lại công ty này và chuẩn bị cũng đã hơn một năm.

Làn sóng mới nói trên đã được trù tính từ nhiều năm trước. Với trù tính đó, đại diện FE Credit - thành viên đang nắm thị phần hàng đầu ở phân khúc này - từng tính toán khi trao đổi với giới phân tích rằng, với lợi thế đi trước và đã nắm được thị phần, FE Credit sẽ có ít nhất 3 năm nữa để tiếp tục vượt trội trước khi áp lực cạnh tranh có thể thực sự tác động bất lợi đến vị thế.

Thế nhưng, có một áp lực cạnh tranh khác, không thể hiện trực diện bằng các đầu mối chuyên biệt, là từ sự dịch chuyển khẩu vị của các ngân hàng thương mại.

Hơn ba năm trước, khi tín dụng tiêu dùng trở thành một nét chấm phá mới trên thị trường Việt Nam, ông Dương Công Minh khi đó là Chủ tịch Hội đồng Quản trị LienVietPostBank từng nêu quan điểm: không tham gia tín dụng tiêu dùng, như một khía cạnh đạo lý nếu bắt khách hàng phải trả lãi suất cỡ trên 25%/năm.

Hay tại Vietcombank, cổ đông chiến lược Nhật Bản cũng từng hỏi, vì sao không thành lập công ty chuyên biệt và tham gia phân khúc tín dụng tiêu dùng? Ông Nghiêm Xuân Thành, Chủ tịch Hội đồng Quản trị Vietcombank trả lời, cũng như từng trả lời cụ thể tại phiên họp đại hội đồng cổ đông, là họ định vị thương hiệu bằng chính sách lãi suất cho vay thấp, nếu cho vay lãi suất quá cao cùng với chính sách đòi nợ gây dư luận xã hội thì có thể ảnh hưởng đến thương hiệu.

Hay tại Techcombank, lãnh đạo ngân hàng này cũng từng khẳng định cho vay tiêu dùng tín chấp không phải là khẩu vị của họ.

Tuy nhiên, với sự phát triển của nhu cầu, tích hợp hệ thống sản phẩm và quản trị rủi ro, cho vay tiêu dùng đang phát triển mạnh lên tại các ngân hàng thương mại. Những người hưởng lương, hoặc có thu nhập chảy đều qua tài khoản ngân hàng, có điểm tín nhiệm tốt, hoàn toàn có thể vay tiêu dùng tín chấp tại ngân hàng theo từng hạn mức với lãi suất có thể thấp hơn nhiều so với vay công ty tài chính.

Và nổi lên vài năm gần đây, cho vay ngang hàng bắt đầu phát triển mạnh tại Việt Nam. Đây cũng là một bộ phận, cùng với các ngân hàng thương mại, góp thêm áp lực đẩy cạnh tranh tín dụng tiêu dùng lên cấp độ mới.

Gia tăng cạnh tranh có thể gia tăng lợi ích, tiện ích cho người vay, cũng như góp phần đẩy lùi tín dụng đen. Nhưng ở khía cạnh hệ thống, nếu cạnh tranh theo hướng hạ chuẩn, nới lỏng điều kiện để thu hút khách hàng, có thể làm gia tăng rủi ro tiềm ẩn.

Theo Lam Giang

BizLive

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